Buying a home in the Netherlands: mortgage rates and costs
What a mortgage typically costs in the Netherlands right now, how the central bank rate compares, and a worked monthly payment example you can adjust in our calculators.
Typical mortgage rate
3.6% – 4.2%
20-year fixed at NHG. Dutch mortgages benefit from the National Mortgage Guarantee for sub-€450k loans.
As of 2025-11-28. Source
Example monthly payment in the Netherlands
| Purchase price | €400,000 |
|---|---|
| Deposit (10%) | €40,000 |
| Loan amount | €360,000 |
| Interest rate | 3.9% · 20-year term |
| Estimated monthly payment | €2,163 |
Illustration only, using the midpoint of the typical rate range. It excludes taxes, insurance and fees. Adjust the figures in the mortgage calculator.